Many expectant mothers in Indonesia face the risk of losing their lives or their pregnancies due to the inability to afford the costs of hospital care. This leads to dangerous situations where women give birth alone at home or even resort to abortion. However, with the availability of maternity insurance, the rates of infant mortality, abortion, and maternal mortality can be significantly reduced.
Types of Maternity Insurance
There are two main types of maternity insurance that individuals can choose from:
1. Unit Linked Life Insurance
This type of insurance primarily focuses on the life of the child and covers the risk of infant mortality. In addition to this coverage, it often includes benefits related to the expectant mother, such as coverage for medical expenses, risks of abnormalities in the baby, hospitalization for the baby, and more. Unit linked life insurance also offers an investment element, which means that premiums may decrease over time. However, it is important to consider the associated investment risks.
2. BPJS Kesehatan
BPJS Kesehatan is a government health insurance program that provides benefits for pregnant women during the pregnancy process. It is also subsidized by the government, making it an affordable option for maternity insurance. However, it should be noted that BPJS Kesehatan only covers risks to the mother and does not provide coverage for risks to the baby during pregnancy and delivery. Therefore, it may not cover abnormalities, defects, or other risks associated with the baby. Additionally, newborn babies can only be registered with BPJS Kesehatan if they are born in good health.
The Importance of Maternity Insurance
To determine the importance of maternity insurance, it is necessary to consider various factors and options. Here are a few things to consider before purchasing maternity insurance:
1. Cost Comparison
Create a detailed list of all the costs associated with pregnancy and delivery at your preferred hospital. Compare the sum insured with the premium to assess if it is a cost-effective option. If not, it may be better to save the money instead.
2. Reserve Funds for Unexpected Costs
Assess your financial situation and ensure you have sufficient reserve funds to cover any unforeseen expenses or risks that may arise during pregnancy and delivery.
3. Insurance Coverage and Exclusions
Evaluate the coverage provided by the insurance plan and determine if it adequately covers all anticipated costs. It is important to review any exceptions or limitations and consult with the insurance company or agent for clarity.
Consider Saving for Yourself
If maternity insurance is not suitable for you, it is important to still save for the expenses associated with pregnancy and childbirth. Maintain a detailed record of costs and savings targets. If there is a need for additional funds, explore different investment options, but be mindful of the associated risks.
Additionally, apart from medical expenses, consider other costs such as maternity clothes, baby equipment, and other needs related to pregnancy and childbirth.
Maternity insurance plays a vital role in reducing the risks and costs associated with pregnancy and childbirth in Indonesia. It provides expectant mothers with financial protection and access to quality healthcare services. However, it is essential to carefully assess personal circumstances and compare different insurance options before making a decision. Remember that even if maternity insurance is not the right choice, it is important to save for the anticipated expenses and plan accordingly for the arrival of the baby.